I am beginning the settlement process for an auto accident and injury claim with Progressive Insurance. I have had to hire an attorney because the settlement process has become adversarial. During the property damage (total loss of my vehicle) Progressive muscled me into a settlement which excluded valuation for after market upgrades to my vehicle and the same "nickle and dime" technique used by this adjuster is continuing with the personal injury portion of the claim. I have not yet filed suit, but it appears that Progressive will not take me seriously until I do.

The accident was a head-on collision at high cumlative speed and the other driver was ticketed for reckless driving. He and his passenger took an ambulance ride and were treated and released. I later found that he had two felony drug convictions on his record.

Progressive has offered once - a apittance which barely covers medicals and lost wages. Progressive is defending a bad guy and I'm not sure sure they are being truthful about policy limits. Any suggestions or advice out there?